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33e971a3 | 11 months ago (raw) | root | parent | reply | flag +1 
 In retrospect, if one looks at my net pay, it's roughly 3.5% that I set aside for savings. I don't count the small amounts that I put into the 401k at work, our pension plan deductions, or the disability insurance deductions.
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33e971a3 | 11 months ago (raw) | root | parent | reply | flag +1 
 The disability insurance has no resale value and takes up 6% of my net pay. The retirement is near 7% of my *gross* pay or roughly 10% of net pay. 

The 30% seems awfully harsh, but it's easier for some people to live simply. :-)